Credit union · NCUA insured
Proponent Federal Credit Union CD Rates
Top CarrotProponent Federal Credit Union’s best CD rate is 4.30% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Proponent Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Proponent Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Proponent Federal Credit Union
4.25%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $868
Share Certificates
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Proponent Federal Credit Union CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.35%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Proponent Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.25%APY · 7 terms
Membership eligibility required. Penalties apply for early withdrawals from certificate accounts. Fees may reduce earnings. Dividends are compounded daily and credited monthly. Funds insured by NCUA up to $250,000 per depositor.
| Term | APY · $500 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.15% | 3.20% | 3.25% | 3.20%3.15% $500–$10k3.25% from $25k | $79 |
| 6 months | 3.90% | 3.95% | 4.00% | 3.95%3.90% $500–$10k4.00% from $25k | $196 |
| 12 months | 4.00% | 4.05% | 4.10% | 4.05%4.00% $500–$10k4.10% from $25k | $405 |
| 24 months | 4.20% | 4.25% | 4.30% | 4.25%4.20% $500–$10k4.30% from $25k | $868 |
| 36 months | 3.10% | 3.15% | 3.20% | 3.15%3.10% $500–$10k3.20% from $25k | $975 |
| 48 months | 3.20% | 3.25% | 3.30% | 3.25%3.20% $500–$10k3.30% from $25k | $1,365 |
| 60 months | 3.30% | 3.35% | 3.40% | 3.35%3.30% $500–$10k3.40% from $25k | $1,791 |
Special-purpose accounts
IRA Certificates
Up to 4.25%APY · 7 terms
Includes Traditional IRA and Roth IRA certificates. Membership eligibility required. Penalties apply for early withdrawals from certificate accounts. Fees may reduce earnings. Dividends are compounded daily and credited monthly. Funds insured by NCUA up to $250,000 per depositor.
| Term | APY · $500 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.15% | 3.20% | 3.25% | 3.20%3.15% $500–$10k3.25% from $25k | $79 |
| 6 months | 3.90% | 3.95% | 4.00% | 3.95%3.90% $500–$10k4.00% from $25k | $196 |
| 12 months | 4.00% | 4.05% | 4.10% | 4.05%4.00% $500–$10k4.10% from $25k | $405 |
| 24 months | 4.20% | 4.25% | 4.30% | 4.25%4.20% $500–$10k4.30% from $25k | $868 |
| 36 months | 3.10% | 3.15% | 3.20% | 3.15%3.10% $500–$10k3.20% from $25k | $975 |
| 48 months | 3.20% | 3.25% | 3.30% | 3.25%3.20% $500–$10k3.30% from $25k | $1,365 |
| 60 months | 3.30% | 3.35% | 3.40% | 3.35%3.30% $500–$10k3.40% from $25k | $1,791 |
Who can join Proponent Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.